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I went through my local Alstate. Now that you say your Ins, Did you happen to ask them if they charge for "Named Insured"? Now you may ask what is "Named Insured" and what is it for. I will give you brief on it. Named insured. A named insured is a party who is a primary insured on a "named insured&#39;s" insurance policy. The named insured is the party who is covered by the insuring agreement of the policy and who is bound by the terms and conditions of the policy, including premium payment. For ease of administration, many insurance companies designate a "first named insured" on a policy as the default point-of-contact and decision-making authority between the insurance company and the policyholder(s).

Most Commercial Accounts will want this. They will want to be listed as a Named insured on your policy.